Mortgages

Afford the home of your dreams.

Mortgage Rates

Contact us for information on our Home Equity loan rates.

Conventional Mortgages

The most popular type of mortgage, ideal for people with good or excellent credit. These loans are not insured or guaranteed by the federal government.

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Purchase or refinance
Fixed and adjustable rates
Borrow up to 97% for Purchases
Borrow up to 95% for Term/Rate Refinances
Borrow up to 80% for Cash Out Refinance
No mortgage insurance with down payment of 20% or more
Low closing costs
Maximum loan amount is $766,550*

home buyer guide Home Buying Guide
Download our comprehensive home buying guide and discover everything you need to know about finding, buying and financing a place you'll love.

First-Time Homebuyer Program

Buying your first home comes with many big decisions, and it can be as scary as it is exciting. If you’re purchasing your very first home, you can take advantage of one of our best mortgage programs.

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Fixed rate
Borrow up to 97% of the home’s value
Maximum loan amount is $766,550*

Purchase Plus Program

We’re helping home buyers in low-income communities achieve homeownership! First-time home buyers can get $5,250 in lender credits to use for down payment and closing costs.***

This assistance is in the form of a grant, meaning no monthly payments or repayments required.

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Minimum credit score of 620 required
Available for first-time home buyers with as little as 3% to 5% down payment options
Applicable to 1-4 unit properties

Government-Backed Loans

U.S. Department of Agriculture (USDA) Mortgage

Looking to buy a rural property? The USDA backs loans specifically for home purchases in eligible areas.

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Fixed, 30-year term
No minimum down payment requirement
Maximum purchase price: No Limit
Borrow up to 100% of the home’s value

Veterans Affairs (VA) Mortgage

We’re happy to serve those who serve our country. VA mortgages require less money up-front than other mortgage types and are guaranteed by the Department of Veterans Affairs.

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Fixed rate
No minimum down payment requirement
Maximum loan amount is $766,550*
Borrow up to 100% of the home’s value
No mortgage insurance requirement

To open a mortgage loan in-person, schedule an in-branch appointment.

The Home-Buying Process

Looking to own a home, but unsure about where to start? We can help.

Check out Orlando Credit Union's step-by-step guide on buying a home.

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* Loans are subject to membership and credit approval. Purchase prices vary for multi-family homes.

** Annual Percentage Rate

*** Eligibility and Membership required. As a condition of membership, you must maintain an Ownership Savings Account with a $5 minimum balance. Member will receive a closing cost grant of $5,250 toward their closing cost or downpayment. Offer is valid for only first-time home purchasers with primary residence properties in specific metropolitan areas and census tracks. Approval contingent on eligible property locations: Orlando-Kissimmee-Sanford, FL; Tampa-St. Petersburg-Clearwater, FL; Miami-Fort Lauderdale-Pompano Beach, FL. Offer is nontransferable. Offer cannot be applied retroactively to closed loans. Offer may not be redeemed for cash, and no change will be given if the discount amount exceeds costs otherwise due. Orlando Credit Union reserves the right to cancel this offer at any time. Other discounts may be ineligible with this offer. Orlando Credit Union is an Equal Housing Lender.

^ Not available on current Orlando Credit Union mortgages. Applicable to owner-occupied properties only. Credit may be applied to standard loan costs that are charged at closing and may include customary third-party and government closing costs. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Property must be located in Florida. Not all property types are eligible. Other restrictions and limitations apply. Offer may be altered or discontinued at any time without notice. Offer may not be combined with other mortgage offers. Must be a member or qualify for membership with Orlando Credit Union. As a condition of membership, you must maintain an ownership share account with $5 and also a share savings account to be eligible for any other products and services.

NMLS #569755

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